Bright Health Insurance for Addiction Treatment
American Addiction Center’s Recovery First Treatment Center in Florida now accepts Bright Health Insurance plans to help pay for drug and alcohol treatment. Founded in 2016, Bright Health is a health insurance company that provides affordable health insurance.
Read on to learn more about what Bright Health Insurance may cover when it comes to addiction treatment and mental health services.
Does Bright Health Insurance Cover Addiction Treatment?
All marketplace plans—including Bright Health—must cover mental health and substance abuse treatment, as they are deemed essential health benefits. According to the Affordable Care Act, all health plans in the marketplace must also cover behavioral health treatment (e.g., psychotherapy and counseling), mental and behavioral health inpatient services, and substance use disorder treatment.1
Which Bright Health Insurance Plans Cover the Most Addiction Treatment Services?
Bright HealthCare plans include:2
- Gold plans: Bright Health gold plans provide generous coverage and predictable premium costs. Those who have frequent doctor visits and ongoing prescriptions may prefer this type of plan. Most benefits have copays, so costs are generally consistent.
- Silver plans: Silver plans have moderate premiums and costs. These plans are ideal for those who use their plans occasionally and prefer lower deductibles.
- Bronze plans: Bronze plans have lower premiums, but higher cost use (e.g., higher copays). People in good health who prefer lower premiums and are comfortable with higher deductibles may opt for a bronze plan.
- Catastrophic plans: Bright Health catastrophic plans offer the lowest premium costs. These plans are available to those under age 30. Coverage includes 3 primary care visits, then no further benefits until the maximum out-of-pocket payment is reached.
The cost of each of these plans varies, depending on your location and the number of dependents who will be covered under the insurance plan.
What Addiction Treatment Does Bright Health Insurance Cover?
If Bright Health is your insurance provider, your policy may cover the following services for addiction treatment:
- Detox services: Withdraw safely from drugs and/or alcohol under 24/7 medical supervision to ensure your symptoms are addressed as they arise.
- Inpatient or residential care: You live in the treatment facility onsite, generally for 15-30 days or more. Learn more about the types of addiction therapies offered at the Recovery First inpatient facility.
- Partial hospitalization: The most intensive form of treatment. Sometimes referred to as day treatment, partial hospitalization allows you to live at home, but your days are spent in treatment.
- Intensive outpatient: Often a step down from residential treatment. The program typically involves attending treatment 3 evenings a week.
- Outpatient treatment: Patients live at home but attend treatment for 10-12 hours a week visiting the treatment center to complete the program.
What is an EPO Insurance Plan?
An Exclusive Provider Organization (EPO) is a type of health plan that offers a local network of doctors and hospitals for you to choose from. Services are covered only if you go to doctors, hospitals, and specialists within the plan’s network.3If you’re looking for lower monthly premiums and are willing to pay a higher deductible when you need health care, you may want to consider an EPO plan.
Most of Bright Health’s insurance plans are EPO policies. If Bright Health is your healthcare insurance provider and you live outside of Florida, you can travel to receive treatment at Recovery First in Miami to use their in-network benefits.
How Much Does Addiction Treatment Cost with Bright Health Insurance?
Bright Health addiction treatment coverage varies between each treatment center, the type of program, and the person’s particular treatment needs. Everyone’s needs will be different, and so their costs will be different. In addition, different plans cover treatment at different rates. Bright Health might cover, in some capacity:
- Medical detox.
- Prescription medications.
- Individual and group therapy.
- Partial hospitalization programming.
- Inpatient and/or outpatient substance abuse rehabilitation.
The plan you have—including monthly premiums, copays, deductibles, and potential out-of-network costs—will determine the total cost of drug and alcohol treatment. Enter your insurance information to verify your benefits through Bright Health and other qualified providers to see what addiction treatment will cost in your specific situation.
Bright Health Insurance Authorization for Addiction Services
Some Bright Health policies may require pre-authorization, depending on the addiction treatment and services provided. Pre-authorization meets two goals: to show that you need addiction treatment and to ensure that your insurance policy will cover the cost of treatment, either fully or partially.
To obtain pre-authorization, you may be required to see a doctor for a full clinical and mental health assessment, which will determine your need for treatment. Pre-authorization may not guarantee that your insurance will cover all costs of treatment.
Figuring out if your insurance covers some of your addiction treatment can be confusing. Learn more about the Recovery First admissions process and verify your health insurance below.